PNB Luxura Premium Metal Credit Card for Indian Army Officers
Punjab National Bank · Open to apply
A metal Visa Infinite or RuPay Ekaa card for Indian Army officers: no joining fee, ₹1,999 a year (waived on ₹5 lakh spend), 3% cashback on CSD spends (up to ₹3,000 a cycle), 4 reward points per ₹150 elsewhere, unlimited lounges and no forex markup.
- Annual fee
- ₹1,999 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹5,00,000 spend per card year
- Base rate
- 4 reward points per ₹150: 4 PNB Rewardz points per ₹150 (about 0.67% at cash value)
- Lounges
- Domestic: unlimited visits a calendar year; International: unlimited visits a calendar year
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 3% cashback on CSD spends: 3% cashback (about 3% at cash value)
Terms the calculator does not value
- Spend milestones of 8,000 points at ₹5 lakh, 16,000 at ₹10 lakh and 24,000 at ₹15 lakh (worth ₹2,000, ₹4,000 and ₹6,000) are not entered: the page does not say over what period the spend is counted or whether they add up.
- The restricted MCCs that earn no reward points are not listed. The MITC says the bank is not responsible for cashback not credited because of incorrect MCC mapping of a CSD canteen.
Sources
- PNB Premium Metal Credit Card LUXURA for Indian Army Personnel page (Product page, the bank's own, read 6 Nov 2026)